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Credit Scores Looking Good
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Sunday, June 22, 2008
9:11:00 AM EDT

Credit Scores Looking Good

You know how you can get your credit report free each year, but they charge you to get your score.  Here's what I do to get my scores for free.  Once a year I call Countrywide to find out my refinancing options.  They always have to run your credit.  I tell them they can run it if they tell me my scores.  So, that's what I did, yesterday.  No, I'm not going to refinance.  Not enough incentive to do so.  

But, I did get my scores.  Here's where I'm at as of yesterday.

Transunion: 786
Equifax: 813
Experian: 824

Here's what my scores were when did my HELOC refinance to a fixed 2nd mortgage in May 2007

Transunion: 725
Equifax: 723
Experian: 742

So, in a little bit over a year and getting rid of all credit card debt that a nice improvement.  They were never terrible but the jump is nice.  I still have my credit cards, for now.  I haven't closed any because I don't want to take the negative hit on my credit.  But, once I move and get settled I'll probably close the accounts.

Oh, I just made my first gigantic payment on my student loan.  9 more payments on that and I'll be debt free except for the house.

Written by dbaumgartner Blog about this entry
This entry has 2 comments: (Add your own)
  • #2 Comment from suzypwr 
    7/8/08 4:43 AM | Permalink
    Excellent job!!

    xoxo
  • #1 Comment from onetoughcookie43 
    6/22/08 3:55 PM | Permalink
    WAY TO GO!!!!!!
    Congratulations on all your hard work and the WONDERFUL results. Amazing!!